Buying Coverage for Your Alfa Romeo Graduate the Easy Way

No one in their right mind enjoys paying for auto insurance, in particular when their premiums are through the roof. Insurance companies such as State Farm, Allstate, GEICO and Progressive all claim big savings with fancy advertisements and consumers find it hard to see past the geckos and flying pigs and do the work needed to find the best deal.

Comparison of Auto Insurance in Nevada

Performing a rate comparison can be challenging if you don’t know the best way to get rate quotes. You can spend countless hours talking about coverages with insurance companies in your area, or you can utilize the internet to quickly compare rates.

Many of the larger companies enroll in a system where insurance shoppers send in one quote, and each company can provide price quotes for coverage. This eliminates the need for repetitive form submissions to each individual auto insurance company.

To use this form to compare rates click here to start a free quote.

The one disadvantage to using this type of system is buyers cannot specifically choose which insurance companies to receive prices from. If you prefer to choose specific insurance companies to request quotes from, we have a page of the cheapest auto insurance companies in Nevada. View list of Nevada insurance companies.

It’s your choice how you get your quotes, but make sure you use identical coverage limits and deductibles for each comparison quote. If you are comparing mixed coverages it will be very difficult to make a fair comparison for your Alfa Romeo Graduate. Nevada insurance prices

Be sure to get all your discounts

Companies don’t necessarily list all available discounts in a way that’s easy to find, so we researched both well-publicized and the more hidden ways to save on auto insurance. If you aren’t receiving every discount you deserve, you’re paying more than you need to.

New Car Discount – Insuring a new car can save up to 30% since new cars are generally safer.
Use Seat Belts – Buckling up and requiring all passengers to wear their seat belts could save 15% off your PIP or medical payments premium.
Drive Less and Save – Driving fewer miles could be rewarded with better rates on cars that stay parked.
Service Members Pay Less – Being deployed with a military unit could be rewarded with lower premiums.
Anti-lock Brakes – Anti-lock brake equipped vehicles can avoid accidents and earn discounts up to 10%.

It’s important to understand that most discount credits are not given to all coverage premiums. Most only cut the price of certain insurance coverages like medical payments or collision. Even though it may seem like all the discounts add up to a free policy, companies wouldn’t make money that way.

Alfa Romeo Graduate rates influenced by many factors

Consumers need to have an understanding of some of the elements that help determine the price you pay for auto insurance. Knowing what impacts premium levels enables informed choices that can help you get big savings.

Are you male or female? – Statistics have proven women are more cautious behind the wheel. However, don’t assume that women are better drivers. Both sexes have accidents at about the same rate, but men cause more damage and cost insurance companies more money. Men also get more serious tickets such as reckless driving.
More claims means more premium – Insurance companies in Nevada provide cheaper rates to insureds who do not rely on their insurance for small claims. If you tend to file frequent claims, you can pretty much guarantee either higher rates or even cancellation. Auto insurance is designed for larger claims.
Equipment add-ons that lower auto insurance rates – Driving a car with anti-theft technology or alarm system can get you a discount on your auto insurance. Anti-theft devices like GM’s OnStar, tamper alarm systems and vehicle immobilizers all hinder your vehicle from being stolen.
Being married can save on auto insurance – Getting married can actually save you money when buying auto insurance. It usually means you are more mature than a single person and it’s statistically proven that being married results in fewer claims.
Please use or commuting – Driving more miles each year the higher your rate. Almost all companies apply a rate determined by how the vehicle is used. Cars and trucks that are left in the garage get more affordable rates as compared to vehicles used primarily for driving to work. Verify your auto insurance coverage properly reflects the proper vehicle usage. If your policy improperly rates your Graduate may be costing you.

How do I know if I need professional advice?

When buying coverage, there really is not a perfect coverage plan. Your needs are not the same as everyone else’s so your insurance should reflect that For instance, these questions might point out whether you might need an agent’s assistance.

Am I covered by my employer’s commercial auto policy when driving my personal car for business?
Are rental cars covered under my policy?
When should I not file a claim?
Does my car insurance cover rental cars?
Is borrowed equipment or tools covered if stolen or damaged?
When does my teenage driver need to be added to my policy?
Does liability extend to a camper or trailer?
Do I benefit by insuring my home with the same company?
Does my policy cover me when driving someone else’s vehicle?

If you’re not sure about those questions then you might want to talk to an agent. If you want to speak to an agent in your area, take a second and complete this form or click here for a list of auto insurance companies in your area. It is quick, free and you can get the answers you need.

Even more information is located at the Nevada Division of Insurance website. Consumers can report car insurance fraud, find disaster information, and learn about insurance regulations.

The following information may also be useful.

Quote more, save more

As you shop your coverage around, never reduce needed coverages to save money. There are many occasions where an insured dropped comprehensive coverage or liability limits and discovered at claim time that a couple dollars of savings turned into a financial nightmare. Your goal should be to get the best coverage possible at an affordable rate, not the least amount of coverage.

Lower-priced Alfa Romeo Graduate insurance is definitely available from both online companies in addition to many Nevada insurance agents, so you should be comparing quotes from both to get a complete price analysis. Some auto insurance companies do not provide online quoting and usually these small, regional companies provide coverage only through local independent agents.